What is Bob's refund or amount to be paid in?

128,000 on w2

2 kids (5 and 3)

7,000 federal income tax repelled on w2

1,000 paid in child care

4,000 in tuition for himself

11,000 mortgage interest

20,000 paid to charities

10,000 paid in state taxes

5,000 in capital loss

2,000 interest income

4,000 rental income